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Generous extras after an accident or breakdown

Car and tow truck

Under most standard auto insurance policies, towing coverage is limited. But Fireman's Fund pays for sending the car to a preferred shop up to 50 miles away or the nearest qualified repair shop, regardless of the distance. The insurer also offers up to $1,000 in living expenses for policyholders who run into car trouble on vacation.

Generous benefits like these are typical among high-end insurers. AIG offers coverage for a comparable rental car while the covered vehicle is in the shop. The per-day limit on rental costs: $12,500.

Neis recalls one client who got into an accident while enjoying a weekend getaway in Florida. The client's insurance carrier paid for the car to be towed back to the client's town in the Northeast and paid for a plane ticket for the policyholder to return home. (See “The best car insurance companies.”)

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